Built for those who serve
Financial Planning for California Police & Fire
Serve With Honor.Plan With Purpose.
Serving Public Safety Members
When your police or fire association contracts with BCN, your membership dues cover:
Financial Plans
Base-level financial plans, pension calculations and estimates, and scenario testing. Advanced planning is available for an additional fee.
Retirement Applications
We fill out and file your service, industrial disability or service pending retirement application with you, step by step.
Survivor Options
Help choosing your CalPERS survivor option before you retire.
Service Credit Buyback
Cost and payback analysis before you buy service credit.
Sick Leave Conversion
How your unused sick leave adds to your service credit at retirement.
Community Property Analysis
How a pension and other retirement accounts are divided in a divorce.
Benefits and Claims
Help understanding your benefits and filing claims.
Workers’ Comp Guidance
Help through the workers’ comp process, from reporting an injury to returning to work or retiring.
CalPERS Compensation Denials
Help when CalPERS denies pay items as reportable compensation.
Survivor Benefits
Death claims and survivor benefits for families.
Living Trusts at Member Pricing
An attorney-drafted living trust portfolio at the member rate.
Lifetime Membership
Membership continues for life after you retire, whether you were a member for one day or 30 years.
Financial Plans
A written plan built around your pension, 457(b), MOU and career timeline.
Sample report layout. Illustration only.
- Pension calculations and estimates
- Retirement dates compared side by side
- 457(b), savings and pension in one picture
- Survivor option and life insurance reviewed
- Advanced planning available for an additional fee
Retirement Applications
We complete and file your retirement application with you, step by step.
- Service retirement
- Industrial disability retirement (IDR)
- Service pending while an IDR is decided
- Survivor option and beneficiary elections
- Health coverage checked before you file
Survivor Options
Your survivor option usually can't be changed after you retire. We compare each choice with you first.
- Monthly amount for each option
- What your survivor would receive
- Coordinated with your life insurance
- Reviewed before you file
Service Credit Buyback
See what the buyback costs, what it adds and when it pays for itself.
Illustration only.
- Cost quote reviewed
- Added monthly pension estimated
- Break-even year shown
- Payment choices compared
Sick Leave Conversion
If your agency contracts for it, unused sick leave becomes service credit when you retire.
Rules vary by retirement system and contract.
- 0.004 years of credit per unused day
- 250 days adds one full year
- Raises your pension amount
- Counted at retirement, not for eligibility
Community Property Analysis
How a pension earned partly during a marriage is divided.
We are not attorneys and do not give legal advice.
- Community share of your pension estimated
- 457(b) and other accounts reviewed
- Survivor and beneficiary effects explained
- Numbers you can share with your attorney
Benefits and Claims
Plain-language help with your benefits and the claims you file.
- Benefits reviewed with you
- Claim forms completed together
- Follow-up until a decision
- No paying twice for the same coverage
Workers’ Comp Guidance
How comp claims and retirement connect, from injury to return to work or IDR.
We are not attorneys.
- 4850 time for eligible sworn members
- Key trigger points in the process
- How comp decisions shape your pension
- Referrals to attorneys who handle public safety cases
CalPERS Compensation Denials
When CalPERS rules a pay item isn't reportable, your pension can drop.
- Pay items checked against CalPERS rules
- Effect on your pension estimated
- MOU and payroll records gathered
- Coordinated with your association
Survivor Benefits
One call starts the process for your family.
- Death claims filed
- Pension, 457(b) and life insurance claims
- Line-of-duty death support
- Follow-up until benefits begin
Living Trusts at Member Pricing
An attorney-drafted living trust portfolio at the member rate.
- Drafted and reviewed by an estate-planning attorney
- Delivered by your BCN advisor
- Complimentary notarization when available
- Ready in about 8 to 10 weeks
Lifetime Membership
Your membership continues for life after you retire.
- One day or 30 years as a member
- Same BCN team in retirement
- Survivor help for your family
- Trust updates as life changes
Investment management is also available. Ask an advisor about fees.
